Budget 2026 Special: MSME Loan Par Badi Subsidy! Bina Guarantee ₹10 Crore Tak Ka Loan Kaise Lein
Introduction: Paisa Rukna Nahi Chahiye!
Doston, Hi Tech Guruji par aapka swagat hai. Pichle post mein maine bataya tha ki kaise maine ₹18,000 se shuru karke 1 Crore ka turnover touch kiya. Us safar mein sabse badi seekh ye thi—Business ko bada karne ke liye “Fuel” (Paisa) chahiye hota hai.
Bahut se bhai mujhse puchte hain, “Javed bhai, hamare paas security ke liye ghar ya zameen nahi hai, kya humein loan milega?” Mera jawab hai—HAAN! Budget 2025-26 mein sarkar ne MSME ke liye tijori khol di hai. Aaj main aapko un schemes ke baare mein bataunga jahan 35% tak ki Subsidy mil rahi hai aur bina kisi guarantee ke ₹10 Crore tak ka rasta khul gaya hai.
1. PMEGP Scheme: 35% Tak Paisa Wapas (Subsidy)
Ye meri favourite scheme hai un logo ke liye jo apni unit ya dukan dalna chahte hain.
- Kya hai: Prime Minister Employment Generation Programme.
- Subsidy: Agar aap gaon (Rural) se hain, toh 35% subsidy milti hai. Shehar (Urban) walo ko 25%.
- Loan Amount: Manufacturing ke liye ₹50 Lakh aur Service/Trading ke liye ₹20 Lakh tak.
- Mera Mashwara: Agar aap Amazon/Flipkart ke liye khud ki manufacturing unit lagana chahte hain, toh ye best hai.
2. CGTMSE Scheme: Bina Guarantee ₹10 Crore Tak Ka Loan
Pehle ye limit ₹5 Crore thi, par Budget 2026 mein ise badhakar ₹10 Crore kar diya gaya hai.
- Kyun Khaas Hai: Isme bank aapse “Collateral” (Zameen ya Sona) nahi mangta. Aapke loan ki guarantee sarkar leti hai.
- Kaise Milega: Aapka business plan (Project Report) solid hona chahiye aur aapka CIBIL 750+ hona chahiye.
3. PM Vishwakarma Scheme: Chhote Karigaron Ke Liye Vardaan
Agar aapka business handicraft, tailoring, ya kisi hunar se juda hai:
- Isme ₹3 Lakh tak ka loan milta hai sirf 5% interest par.
- Saath hi, ₹15,000 ki tool-kit bhi free milti hai.
Special Section: Mahila Entrepreneurs Ke Liye Khash Mauka (Women Empowerment)
Sarkar chahti hai ki behne bhi business mein aage aayein, isliye unke liye kuch extra benefits hain:
- Mudra Loan (Tarun/Kishor): Mahilaon ko processing fee mein chhoot milti hai aur interest rate bhi kam hota hai.
- PMEGP Mein Extra Subsidy: Mahilaon ko “Special Category” mein rakha jata hai, jisse unhe shehar mein bhi 30-35% tak subsidy mil sakti hai.
- Stand-Up India: Is scheme mein ₹10 Lakh se ₹1 Crore tak ka loan sirf SC/ST aur Women Entrepreneurs ko hi milta hai manufacturing ya trading shuru karne ke liye.
Eligibility: Kaun Apply Kar Sakta Hai?
- Aapki umar 18 saal se zyada honi chahiye.
- Aapke paas ek valid Udyam Registration (MSME Certificate) hona chahiye.
- Kam se kam 8th pass hona zaroori hai (agar loan ₹10 Lakh se zyada hai).
- Aapka business “Manufacturing”, “Service” ya “Trading” category mein hona chahiye.
Ye Bhi Padhein: MSME Certificate (Udyam Registration) Ghar Baithe Kaise Banayein? Step-by-Step Guide
Step-by-Step Apply Karne Ka Tarika (Jan Samarth Portal)
Ab aapko har bank ke chakkar kaatne ki zaroorat nahi hai.
- Portal Par Jayein: Sabse pehle JanSamarth.in portal par register karein.
- Eligibility Check: Wahan ‘Business Activity Loan’ chunein aur apni details (Turnover, Category) bharein.
- Scheme Chunein: System aapko apne aap bata dega ki aap PMEGP ke liye eligible hain ya Mudra ke liye.
- Documents Upload: Apna PAN, Aadhaar, 6-month Bank Statement aur Project Report upload karein.
- Digital Approval: Yahan se aapko “In-principle Approval” mil jayega, jise lekar aap apne bank ja sakte hain.
Javed Ali Ki Pro-Tip: Loan Reject Kyun Hota Hai?
Doston, sarkar toh dena chahti hai, par bank manager darta hai.
- Project Report: Apni project report kisi achhe CA se banwayein. Usme turnover aur profit ka hisaab sahi hona chahiye (Jaise maine 18k se 1 Cr ka rotation samjhaya tha).
- Digital Footprint: Agar aap Amazon/Flipkart par pehle se bech rahe hain, toh unki sales report zaroor dikhayein. Aaj kal bank “Digital Sales” par jaldi trust karte hain.
Conclusion: Aaj Hi Shuru Karein!
Budget 2026 ka fayda uthaiye. Agar aapko samajh nahi aa raha ki aapki category ke liye kaunsi scheme best hai, toh niche comment mein apna business aur location bataiye. Main aur meri team aapko sahi rasta dikhayenge.
